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Insurance (BCBS) and Membership Policy

FAQS:

Are you in network with Blue Cross Blue Shield of South Carolina (BCBS SC)?

No. Our practice is out of network with BCBS South Carolina. This allows us to provide longer visits, direct access to providers, and transparent pricing without insurance-driven restrictions.

Do you offer any discounts for BCBS patients?

Yes. We offer a 25% courtesy adjustment on in-office medical visits only. This discount applies to medically necessary provider services performed in our office.

The courtesy adjustment does not apply to:

  • IV therapy

  • Medical weight loss injections

  • Laboratory testing

  • Imaging

  • Wellness or recovery services

  • Membership fees

What about labs and imaging?

We do not bill labs in-house for BCBS patients. If laboratory testing is needed, you will receive an order to complete testing at Labcorp, which will bill your insurance separately according to your plan’s deductible and coinsurance. We can also give you an order to take to a lab or your choosing. 

 

Imaging services are referred to outside facilities, which may be in-network with your insurance.

How does payment work for medical visits?

Because we are out of network, payment is due in full at the time of service based on our self-pay rates with the courtesy adjustment applied (when eligible).

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As a courtesy, we submit your medical visit claim to BCBS SC on your behalf. Any insurance reimbursement, if approved, is sent directly to you, not to our office. Reimbursement is not guaranteed and depends entirely on your individual plan benefits.

Are IV Therapy or medical weight loss injections covered?

No. IV therapy and medical weight loss injections are not covered services under our BCBS out-of-network policy. These services are self-pay only, are not eligible for the courtesy discount, and are not eligible for insurance reimbursement.

Can I be a member and still use insurance for visits?

No. Our memberships are a direct-care agreement between you and our practice and cannot be combined with insurance billing for the same services.

Billing insurance for services already included in a membership would constitute duplicate billing, which is not permitted—even when a provider is out of network.

Patients may choose either:

  • Membership-based care (no insurance billing), or

  • Insurance-based visits as a non-member (self-pay with possible reimbursement)

Membership fees are not reimbursable by insurance.

Why do you structure care this way?

This model allows us to:

  • Provide longer, more comprehensive visits

  • Maintain transparent, upfront pricing

  • Avoid insurance-driven limitations on care

  • Reduce administrative burden and delays

  • Focus on high-quality, patient-centered medicine

By separating medical care, wellness services, and memberships, we ensure compliance with insurance regulations while preserving flexibility and value for our patients.

Legal Disclosure

By receiving services at our practice, you acknowledge and agree that:

  • Our practice is out of network with BCBS SC

  • Payment is due at the time of service

  • Insurance reimbursement is not guaranteed

  • Reimbursement, if approved, is issued directly to you

  • The 25% courtesy adjustment applies only to in-office medical services

  • IV therapy, medical weight loss injections, labs, imaging, wellness services, and memberships are not eligible for insurance billing or courtesy discounts

  • Membership services and insurance billing cannot be combined

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